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Fidelity Viewpoints ®

A simple rule for saving and spending

Where does your money go?

You don’t need to manage every penny. See where your money goes using three categories.

Managing memory loss

The challenges are emotional and financial. How to spot dementia early and learn to cope.

Demographic trends

History shows investors which industries may benefit as a country’s economy matures.

Last-minute tax tips

How to help avoid mistakes, speed up a refund, and save some of what you get back.

Market and Economic Insights

Bright stock outlook?

Extraordinary accommodative monetary policy around the world may be just right for stocks.

See all Market and Economic Insights articles

March business cycle

Global divergences drive currency volatility and create winners and losers.

Investing Ideas

Is it time to look at CDs?

If you've been ignoring your cash holdings, you might be missing some opportunities.

See all Investing Ideas articles

Seismic market shifts

What the big changes underlying the markets may mean for investors in the future.

Retirement

Tax-savvy withdrawals

One important element of tax-sensitive investing is developing a withdrawal strategy.

See all Retirement articles

Reminder: IRA deadline

Don’t miss the April 15 deadline—or forget to invest your money for long-term growth.

Personal Finance

Estate planning tips

How to make the most of higher exclusions, and a popular portability provision.

See all Personal Finance articles

ABC's of 529 plans

They offer one of the biggest bangs for a college buck. Learn how to make the most of one.

Active Trader

Consider stochastics

This indicator can generate buy and sell signals. Here’s what it says about stocks now.

See all Active Trader articles

Stock research tools

Here’s how you can analyze investment opportunities using powerful tools and resources.

NEW: Winter 2015 Edition

  • In the Money: Fall 2014

    Check out In the Money, a new publication for more investing ideas and strategies.

Mutual fund performance (PDF)

Returns for Fidelity funds and 529 college savings plans.
Before investing, consider the investment objectives, risks, charges, and expenses of the fund, exchange-traded fund, or annuity and its investment options. Call or write to Fidelity or visit Fidelity.com for a free prospectus and, if available for the options, a prospectus or summary prospectus containing this information. Read it carefully.
ETFs are subject to market fluctuation and the risks of their underlying investments. ETFs are subject to management fees and other expenses.

Past performance is no guarantee of future results.

Options trading entails significant risk and is not appropriate for all investors. Certain complex options strategies carry additional risk. Prior to trading options, please read Characteristics and Risks of Standardized Options, and call 800-343-3548 to be approved for options trading.  Supporting documentation for any claims, if applicable, will be furnished upon request.
There are additional costs associated with option strategies that call for multiple purchases and sales of options, such as spreads, straddles, and collars, as compared to a single option trade.

Investing involves risk, including risk of loss.

Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, or economic developments.

In general the bond market is volatile, and fixed income securities carry interest rate risk. (As interest rates rise, bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.)  Fixed income securities also carry inflation risk, liquidity risk, call risk and credit and default risks for both issuers and counterparties. Unlike individual bonds, most bond funds do not have a maturity date, so avoiding losses caused by price volatility by holding them until maturity is not possible.

Diversification cannot ensure a profit or protect against loss.
Fidelity does not provide legal or tax advice and the information provided above is general in nature and should not be considered legal or tax advice. Consult with an attorney or tax professional regarding your specific legal or tax situation.

Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917

647384.7.26